The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,486
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$647/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$23,096
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,402
−HK$620/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,584
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$777/mo
Today · 4.125%
HK$26,125
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,250/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,083
−HK$744/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,573
−HK$907/mo
Today · 4.125%
HK$30,480
baseline
▲ 0.50% · 4.625%
HK$32,334
+HK$1,854/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,960/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,763
−HK$868/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,876
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,165/mo
Today · 4.125%
HK$39,188
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,385/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$78,376/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,124
−HK$1,116/mo
Today · 4.125%
HK$43,240
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,279/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$86,480/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,529 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).